Term Life

Term Life Insurance allows you to purchase larger amounts of coverage in a cost-effective way.

With term life insurance you are insuring yourself for a temporary period of time and you have the option to convert to a whole life policy that builds cash value without providing additional proof of insurability.

You can choose to have the return of premium rider so you can have all of your paid premiums returned to you at the end of the term minus any benefits that may have been used.

This options give clients peace of mind that they are not just throwing away money every month for something that they may never need.

Term life insurance is preferred by younger people that don't anticipate getting hurt or sick physically but still want some 'just in case' financial protection for their beneficiaries. Since premiums are lower than whole life it is a great solution if you feel you need temporary protection.